Essential Business Interruption Insurance Protection

Business interruption insurance is your first line of defense against operational disruptions that could cost millions. HVAC manufacturing facilities face unique vulnerabilities from supply chain delays, equipment failures, and regulatory shutdowns. This coverage protects your revenue stream when unexpected events force temporary closure.

Our tailored business interruption policies cover lost income, ongoing expenses, and expedited equipment replacement costs. We work with leading carriers who understand that even a week-long shutdown can impact your ability to fulfill contracts and maintain customer relationships.

Comprehensive Property Insurance for Manufacturing Assets

Property insurance for HVAC manufacturers extends far beyond basic coverage. Your specialized equipment, raw materials, and finished inventory require protection that accounts for the complex nature of HVAC manufacturing operations.

Key coverage areas include:

• Manufacturing equipment and machinery protection

• Raw materials and work-in-progress inventory

• Finished goods awaiting shipment

• Building and facility coverage

• Equipment breakdown insurance for critical manufacturing systems

HVAC business property and assets can cost up to $100,000, making comprehensive property coverage essential for protecting your substantial investment.

Product Liability Insurance: Your Shield Against Manufacturing Claims

Product liability insurance protects HVAC manufacturers from claims arising from defective products or installation failures. With HVAC systems controlling critical environmental conditions in homes and businesses, the potential for significant damage claims is substantial.

Our specialized coverage addresses:

• Defective product claims and resulting property damage

• Personal injury from HVAC system failures

• Completed operations coverage for installed equipment

• Defense costs for product liability lawsuits

We understand that HVAC manufacturers face higher liability exposure due to the complexity of modern systems and their integration with building infrastructure.

Advanced Coverage Solutions: Supply Chain and Cyber Protection

Modern HVAC manufacturing requires advanced insurance solutions beyond traditional coverage. Supply chain insurance protects against disruptions from key suppliers, while cyber liability insurance safeguards your digital operations and customer data.

Professional liability insurance covers errors and omissions in design specifications or installation guidance. Environmental liability insurance protects against pollution claims from refrigerant handling or manufacturing processes.

Our comprehensive approach includes regulatory compliance support, ensuring your coverage meets evolving industry standards and government requirements.

Workers' Compensation and General Liability Essentials

There were 34,700 nonfatal injuries and illnesses in the plumbing, heating and air conditioning industry in 2020. Workers' compensation insurance is mandatory in most states and protects your employees while controlling your liability exposure.

General liability insurance provides fundamental protection against third-party claims, including customer injuries at your facility and damage to client property during deliveries or installations.